Payment Methods

iDataRiver supports flexible payment methods for merchant. In addition to the platform's built-in payment methods, merchants can also customize their payment options, allowing payments to be sent directly to the merchant's account without going through the platform.

Platform Payments

For projects listed on this platform, the following payment methods are supported by default:

• Account Points Balance
• Cryptocurrency
• Alipay/WeChat Pay
• HiiCash Vouchers

Except for Account Points Balance, all other payment methods can be disabled in the Console -> Merchant Settings -> Payments.

Tip

In certain scenarios, if the chosen payment method incurs additional fees (charged by third-party payment platforms), the user will bear these costs.

Withdrawal requests will be processed within 1 business day.

Withdrawals

If users pay using the platform's built-in payment channels, the merchant's revenue will be recorded as withdrawable funds. Merchants can apply for withdrawals at any time.

Currently, only USDT cryptocurrency withdrawals are supported. Therefore, merchants must provide the correct cryptocurrency network type and wallet address. Any errors are the merchant's responsibility.

Fees

The platform's built-in payment channels charge a 3% platform fee (excluding upstream payment fees).

For more details, please refer to the Fee Documentation.

🧪 Experiment

The platform is currently conducting a risk control experiment. Small and medium-sized orders can be paid via Alipay/WeChat Pay.

Custom Merchant Payments

Merchants can add custom payment methods in the Merchant Settings section of the console, allowing users to pay directly to the merchant instead of the platform.

🔔

This feature is not enabled by default. Please contact the platform administrator to enable it.

Supported Payment Channels

Currently, the following custom payment methods are supported:

• Cryptocurrency: Supports USDT-TRC20, USDT-BEP20, USDT-ERC20
• Stripe: Supports Credit Card, Paypal, Alipay, WeChat Pay
• Official Alipay: Supports Alipay Web Payment

More types will be added continuously.

Withdrawals

Since the custom payments are directly transferred to the merchant, no withdrawal process is needed.

Fees

Transactions through custom payment methods will incur a 1% platform fee.

Since the fees do not go through the platform, the platform fee cannot be directly deducted from the merchant's revenue. So merchant need to purchase Merchant Direct Payment Quota.

All payment methods customized by the merchant will share the Merchant Direct Payment Quota.

Example

If a user needs to pay a merchant directly for a 100 yuan order, the merchant's direct payment quota must be at least 100 yuan. Otherwise, the user will not be able to use the merchant's custom payment channels.

If the quota is insufficient, please purchase Merchant Direct Payment Quota, with a rate range of 1%-3%.

Each newly activated merchant can use the redemption code CPQ_CUSTOM_PAY_QUOTA_2024 to redeem a 200USD direct payment quota in the console.

Configuring Custom Payments

The configuration entry is located at Console -> Merchant Settings -> Payments

Payment Gateway - Crypto

Parameter Template

{
  "wallets": "Enter your wallet address here, eg:TSn6Ka98AMQczmKxBbyj7xrGXscvKrkLsu"
}

Tron Example

{
  "wallets": "TSn6Ka98AMQczmKxBbyj7xrGXscvKrkLsu"
}

BSC Example

{
  "wallets": "0x1e12c5d4b00045130e1a3f7d6b3ec676b5bc8acb"
}

ETH Example

{
  "wallets": "0x4675c7e5baafbffbca748158becba61ef3b0a263"
}

Copy the template content and replace the wallets field with your wallet address. Do not modify other parts.

To use multiple wallets, separate the wallet addresses with commas when entering wallets, as shown below:

TSn6Ka98AMQczmKxBbyj7xrGXscvKrkLsu,TWKyE8Qy9h9upx5NNgyJQtMkiX6s7ZDesT,TEMJt3B9SJ88MYB2zvw6tG7BcNSZNG3nmd

These wallets will be used together, with priority decreasing from left to right.

🔔

Do not use the wallets elsewhere simultaneously, as the order relationship is determined based on the decimal part of the payment amount. If other transactions are made to the wallet, it may interfere with the judgment.

Merchants are responsible for any issues arising from not following this requirement.

Payment Gateway - Stripe

🔔

When transacting through Stripe, the amount must not be less than 1 USD.

Parameter Template

{
  "secret": "The secret key obtained from the Stripe management console, starting with `sk_`"
}

Copy the template content and replace the secret field with your value. Do not modify other parts.

Payment Gateway - Alipay

Please read the introduction and application documents of different payment products of Alipay carefully before accessing.

First, log in to the Alipay Open Platform and create a Web Application.

Parameter Template

{
  "app_id": "The app id of the created application",
  "app_private_key": "The application's private key",
  "alipay_public_key": "Go to the application's development settings, view the interface signing method, and copy the `Alipay public key` text here"
}

Copy the parameter template and replace the corresponding fields with your values. Do not modify other parts.

Summary

Both the platform's built-in payment methods and the merchant's custom payment methods can exist and displayed to users at the same time, users may choose payment methods by themselves.